The harassing company pays our fees.
Global Credit Network or GCN is a third-party collection agency based in Maryland that specializes in healthcare collections. GCN has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts. If you have been contacted by Global Credit Network, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), Global Credit Network, LLC was founded in 1995. The BBB established GCN’s profile page in 1998. GCN is listed as a collection agency that uses the alternate business names, Global Billing Service and Global Entitlement Services. Buzzfile estimates GCN’s annual revenue at $2.9 millionand the size of its headquarters staff at 23 employees.
According to its website, GCN“is a full-services accounts receivable management firm.” GCN employs “cutting edge technology and a client-specific customized approach to resolve balances in an active accounts receivable or bad debt, third-party collection environment.” GCN cites several business practices as distinctive in the industry, including “customized business solutions to suit each client’s specific needs; superior customer service in a more intimate environment; advanced technology that meets or exceeds even the largest agencies; repeatable and sustainable results while minimizing patient complaints; unparalleled client relations; and a customer service driven culture.”
Global Credit Network operates entirely within the healthcare profession. As a full-service collection agency, their services include an early-out and self-pay division; a bad debt collections division; and a legal collections division. GCN’s early-out and self-pay division offers clients the ability to “relocate staff to focus on other areas such as insurance follow-up; reduce days in receivables; and accelerate cash collections while reducing bad debt write-off and expense.” Their bad debt collections division employs “initial scrubbing that skip traces to uncover current demographic information… prior to a process of carefully written and timed series of collection letters and follow-up telephone calls by ACA-certified and bilingual account representatives…using state-of-the-art technology.” GCN’s legal division “reviews all accounts placed in third party collection to determine whether litigation is appropriate.”
Global Credit Network cites compliance with “Red Flags, PCI, FDCPA, HIPAA and FCRA legislation and rules… with all policies and procedures…maintained and monitored by GCN’s Compliance Office.” However, their website is essentially client-facing. Their Resources page provides links to industry associations, but not to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 3 complaints against Global Credit Network in the past three years, with 2 complaints closed in the past 12 months. Two of those complaints allege problems with billing and collection services; the third alleges problems with customer service. The Consumer Financial Protection Bureau (CFPB) has not closed any complaints against Global Credit Network or GCN. Justia lists at least 2 cases of civil litigation involving Global Credit Network.
Absolutely. Here are some Sample Cases against Global Credit Network LLC
Complaints against Global Credit Network frequently cite problems resulting from unverified debts and inaccurate reports to the credit reporting agencies. For example, in July 2017, a complainant indicated she had discovered a delinquent item on her credit report from GCN and a healthcare provider. In her complaint, she expressed concern that she had not authorized the medical provider to share any of her medical information with third parties. In addition, she disputed the debt and requested validation to determine not only the original creditor, but also the extent and nature of information the medical provider and GCN had shared prior to reporting the delinquency to the credit reporting agencies. In response, Global Credit Network indicated they did not have an account number for the complainant. Research revealed that GCN had handled two accounts with the complainant previously, and both of them had been returned to the original creditor, with a request for deletion sent to the credit reporting agencies.
Similarly, in May 2015, a complainant indicated that items reported to the credit reporting agencies were the result of bills that the complainant had disputed because they may have been the result of identity theft. Despite having sent a request for validation, the complainant indicated that he had never received any documentation. In addition, the items that appeared on his credit report as “disputed” caused him financial harm in violation of the FCRA. In response, GCN indicated that they had not received a police report of identity theft. They indicated that their research indicated all the billing and accounting were valid, but they also agreed to forward validation documents to the complainant. Global Credit Network representatives also agreed to delete the negative items if, after reviewing the documentation, the complainant could provide evidence that the charges were not valid.
Global Credit Network, LLC
656 Quince Orchard Rd., Suite 620
Gaithersburg, MD 20878
Telephone: (888) 488-2770
Website: http://www.gowithglobal.com/Contact.html
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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